Clarion County Community Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 69.2% higher than in Q1 2026, at $3.4M. Within Pennsylvania, Clarion County Community Bank is 35th of 109 on loan-to-deposit ratio, 93.87% as of Q2 2026, above the middle of the field. Clarion County Community Bank reported 93.87% on loan-to-deposit ratio for Q2 2026, 13.03 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $27.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.87% |
| Net loans and leases to deposits | 93.17% |
| Loans and leases to core deposits | 109.89% |
| Core deposits to total deposits | 85.42% |
| Brokered deposits to total deposits | 0.86% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 94.43% | 90.02% | $0 | $12.0M |
| Q4 2023 | 95.38% | 91.22% | $0 | $12.5M |
| Q1 2024 | 91.89% | 90.22% | $0 | $7.0M |
| Q2 2024 | 92.67% | 89.48% | $0 | $7.0M |
| Q3 2024 | 91.04% | 87.28% | $0 | $2.5M |
| Q4 2024 | 90.15% | 86.59% | $0 | $0 |
| Q1 2025 | 91.51% | 87.70% | $0 | $2.0M |
| Q2 2025 | 92.17% | 86.85% | $0 | $2.0M |
| Q3 2025 | 90.57% | 83.91% | $0 | $0 |
| Q4 2025 | 94.09% | 84.25% | $0 | $8.5M |
| Q1 2026 | 92.26% | 85.01% | $0 | $0 |
| Q2 2026 | 93.87% | 85.42% | $0 | $6.0M |
Clarion County Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Clarion County Community Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Clarion County Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57624) · FFIEC NIC profile (RSSD 3185579)